"My proudest achievement is that I have built a good house compared to what I had before. This I have managed to do through small businesses."

"My proudest achievement is that I have struggled to give my six children good education using my savings from small businesses and one of them is currently assisting me financially."

"I would like to use part of the transfer to do agri business to generate income to sustain my family. Secondly l would wish to build a pit latrine for my to improve on our health. I would also like to renovate my house by cementing and fixing steel windows and doors . Finally I would wish to pay school fees for my children in high school."

"I would like to use part of the transfer to open up a business to generate income to support my family. Secondly l would wish to build a pit latrine for my family to avoid Shem from the visitors who visit us and ask to use latrine. Finally l would like to pay school fees for my son and daughter who are in standard eight and joining high school next year."

"I plan to spend the transfer to plaster my house. I also plan to spend the transfer to pay school fees for two of my children in high school. I also plan to spend the transfer to start a business so as to increase my income." (Occupation: Small business)

"We plan to to buy a ploughing machine and cattle for farming, invest in business, pay school fees and to pay dowry."

"I am planning to spend my transfer on starting a business of shopkeeping and poultry keeping."

"I plan to spend the transfer to construct a house for my family being that we are currently homeless and stay in my grandmother's house. I also plan to spend the transfer to start a business. I also plan to spend the transfer to buy furniture and other household items like utensils."

"I would like to use part of the transfer to expand my house and plaster it since it is very small to accommodate my family. Finally I would wish to open up a business to generate income to support my children."

"My proudest achievement is that I have been able to buy a small water tank which I use to harvest rain water. I bought it out of the savings that I make from my business."